Andrius Lengvinas

Silent Debt is a #1 Best Seller in Financing Mortgages on Amazon UK. On Amazon US Kindle it’s #1 in Mortgages, Real Estate Investments, and Buying & Selling Homes. It feels even more special that it happened on our daughter’s first birthday. Thank you to the people who made it happen: my partner Chloe; Holly Worton and the North Downs Publishing team; Robert Twigger, editor; and David Ault, who narrated the audiobook. Ebook free today only: mybook.to/SilentDebt

A long to-do list can make a day feel productive before anything important is done. I'd rather finish one task that matters than clear ten easy ones.

Substack writers, how often do you publish Notes?

A creator opens Google Docs to make one small edit. The cursor ends up in a sentence that was fine five minutes ago.

A credit limit is not a spending target. Treating it like one makes the bank's number feel like your budget.

Paying extra toward debt is only progress if it doesn't leave you short of cash. 1. List the debt balance, interest rate and minimum payment. 2. Set aside money for bills and costs due soon before choosing an extra payment. 3. Put any amount left toward the highest-rate debt, then check the plan again when your costs change.

Patreon creators, which member benefit gets used most?

📚 I’d love to gift Kindle copies of my Amazon bestselling book, Silent Debt. Not looking for followers, likes or reposts. Just curious readers interested in money, mortgages, human behaviour and the choices that shape our lives. If that’s you, tell me why you’d like to read it. I’ll personally arrange your copy. No strings attached. 💚

The fastest way to lose a reader's trust: promise a transformation your book can't deliver. Someone buys a personal finance book to feel more in control. If the description promises a debt-free life, but the book offers ideas and reflection, the gap shows up in the reviews.

And sometimes the opposite is just as revealing. People who celebrate your success but disappear when life falls apart. Real friendship isn’t about showing up for the good or bad moments. It’s about staying through both.

An emergency fund is not only for emergencies. It can also buy time to leave a bad job without putting the next choice on a credit card.

Can you call yourself debt-free if you still have a mortgage?

What you see people spend is what starts to feel normal.

Self-improvement problem: You have so much self-awareness that noticing every reason a habit might fail makes it harder to begin. Sometimes the useful next step is smaller than the explanation.

Creators often add more bonuses to justify a higher membership price. A clear promise beats a longer list of perks. More perks or a clearer promise?

Creators, what do you use to deliver a paid newsletter? - Substack - Patreon - Something else

The case for prediction over reading made me think about personal plans. Write down what you expect a small change to do. Then check what actually happens. A guess you can review is more useful than a fear you keep repeating.

A weekly review works best when it changes what happens next. 1. Look at the coming week's calendar and name the one commitment most likely to crowd out something important. 2. Move or remove one task before the week begins, rather than adding another reminder. 3. Leave one open block for the work that always takes longer than expected.

I'd rather have a free newsletter readers open than a paid one readers forget to cancel.

A lower mortgage payment can leave less money for the life around it. Stretch the loan term and the monthly figure may look easier to manage. But years of payments can make changing jobs, reducing hours or moving feel harder.

900 followers! 🎉 Started taking X seriously in June. It’s been a slow climb, but every conversation and connection has made it worthwhile. Special thanks to @DanielSmidstrup and his creation, Climb X, for being my little accountability coach. 😄 And to book reviewer @deewalkerbooks , someone I’m now happy to call a friend. Your kindness and support mean a lot. And to the dozens of wonderful people I interact with daily, you’ve made this journey far more enjoyable than I ever expected. Good people doing good things. Still a small account, but grateful for every one of you. Here’s to the next 900! ❤️